Know where the association policy stops
Condo insurance is designed to address exposures that may not be covered by the association’s master policy. The exact division of responsibility depends on the condominium documents and insurance contracts.
Coverage for your unit and belongings
A condo unit-owner policy can include personal property, certain interior building items or improvements, loss of use, personal liability, and loss assessment coverage, subject to terms and limits.
Coastal condos deserve a careful review
Wind deductibles, flood exposure, rental use, building age, and association requirements can all affect the insurance conversation for Florida condominiums.